How to Choose the Correct Amount of Michigan Auto Insurance

Michigan auto insurance rates are difficult for some drivers to afford. Many drivers turn to making changes in the amount of coverage they carry in order to save money. Michigan has a wider range of different auto policies available for drivers, and the money you save can make the difference between being able to drive and having to use public transportation. The minimum coverage levels of Michigan auto insurance from is actually quite low. This often leads shoppers to wonder how low is too low. Here are a few important reasons to add higher limits of coverage.

Driving Outside the State

Michigan auto insurance policies have coverage terms that are different than other states. If you regularly travel in other states, you’ll be subject to the laws where you’re driving, not where you reside. That can make your coverage limits far too low if you’re involved in an out-of-state accident with minimum coverage limits. The legal minimum for property damage in Michigan is only $10,000. If you are found at fault in a neighboring state for an accident involving more than that amount, you’ll be personally liable for the difference between the policy coverage and the cost of replacing the other car. Any late model car’s replacement value will exceed $10,000. It’s smart to carry more property damage coverage.

It Makes You A Preferred Risk

Michigan auto insurance companies use different criteria to determine which insurance pool to assign you to. One of the ways that insurance carriers determine whether they want to offer you discounts on your insurance is by the level of coverage you buy. If you purchase a so-called 100/300/100 policy, insurers will consider you a better risk and offer you better rates. The term 100/300/100 refers to $100,000 in bodily injury coverage for each person, $300,000 in total bodily injury for one accident, and $100,000 for property damage that you cause.

Higher Liability Protects You From Big Legal Settlements

Because of the laws in the state of Michigan, big insurance payouts for pain and suffering aren’t as common as in other states. If you’re involved in an accident with a driver in another state, you might have a huge legal judgment against you that you liability insurance couldn’t cover. That would make you personally liable for the difference. While these judgments are usually reserved for cases of drinking and driving and other forms of gross negligence, a few more dollars for liability coverage brings a lot of peace of mind.

What You Need to Know About New Jersey Car Insurance

Before you get out on the road, be sure you have all the insurance coverage you need.  It is important because it not only keeps you safe but it also keeps you legal.  Driving uninsured in the state of New Jersey can come with some steep penalties, and it really doesn’t have to be that way.  Here is what you need to know about New Jersey car insurance:

  1. The Legal Auto Insurance Requirements for the State of New Jersey

First and foremost, you need to know what is expected of you as a legal motorist within the state.  In most cases, New Jersey car insurance has to provide a comprehensive coverage plan for drivers and other motorists.  It must be paid in full in order to be considered active, and it cannot lapse under any circumstances without the operator then facing further legal ramifications.  Get to know your local laws and insurance requirements before you make out your budget so you can find accurate price estimates based on comprehensive coverage.

  1. How to Find Accurate Quotes

Once you have a good idea as to what you need, the next step is to figure out how much you are likely to pay for that sort of coverage.  Keep in mind that not all New Jersey car insurance providers are created equally.  Take the time to go over policy restrictions and requirements before settling because of cost alone.  While getting your quotes, narrow you search down to 3 or 5 different companies and then compare them side-by-side until you feel comfortable with your decision. By the time you have finished your quote search, you will have a good idea as to what kind of coverage you’ll actually need to drive legally.

  1. The Best Ways to Secure a Good Provider

Finding price quotes is one thing, but that won’t help you if you cannot become approved for a policy through the provider you choose.  In order to secure your chances of not only getting coverage but also paying less for it, you need to practice safe driving at all times.  Despite your record, always be upfront and honest with the policy underwriter.  The last thing you need is to be accused of fraud or dropped from the policy in your time of need.  Just remember that New Jersey car insurance shouldn’t be too hard to find with the right knowledge, even if your record isn’t exactly squeaky clean.


How to Find the Hottest Arizona Auto Insurance Quotes

Did you know that the hottest Arizona auto insurance quotes are actually right under your nose?  That’s right.  You could be cruising around in the warm sunshine right now if you had affordable car insurance, but you don’t have any because you couldn’t find a premium that fit your tight budget.  No worries; there are plenty of ways for you to discover the best providers in your area.  Are you ready for some detective work?

Use the Web to Catch a Quote

These days, there is virtually nothing that can’t be found or accessed via the internet.  Thankfully, this includes Arizona auto insurance quotes.  With a quick search, you should be able to find a few options that reside within your budget.  Already tried that?  Did you think about going to a company’s official website?  You might find some online discounts that way.  How about reading consumer reviews or relevant news articles?  You never know what you might find.  You could have your heart set on one option and then discover certain information that changes your mind and saves you money.

Get It through the Grapevine

At this point, it may be a better idea for you to simply ask your friends, family, neighbors, and coworkers about their insurance provider.  This indeed can count as getting accurate Arizona auto insurance quotes, mostly because the information comes directly from an active source. While talk may be cheap, your insurance policy might also be if you use this timeless method.  After all, word-of-mouth advertising is still one of the most effective ways for a company to gain popularity (or a bad reputation in some cases).

Call the Company at Home

When you are serious about getting cheap yet accurate Arizona auto insurance quotes, you may have to call a company directly.  Wake them up and shake them up with a few prying questions about their policies, coverage options, discounts, and incentives.  Make them earn your business instead of it always being the other way around.  A good provider will rise to the challenge and offer you a comprehensive insurance plan that not only suits your budget but also adheres to local motorist law.

Note: Before purchasing any kind of car insurance from any provider, be sure you know the legal requirements of the state and county in which you operate your motor vehicle.

Does customer service matter in home insurance

It might seem like customer service is a low-priority requirement when you look for Pennsylvania home insurance quotes, but it would be wise to reconsider it.  Consumers who have had to file claims would attest to how important customer service is, especially in an emergency.


Consider how you might feel if you had a catastrophic loss, such in a fire or in a hurricane. You are dealing with so much you don’t have time to worry that your carrier is not responding to you. You will have many questions and you will want prompt answers. So, yes, customer service really does matter.


Directly after a loss, customer service is a high priority. That’s why you need to assess carriers and their response rates and claims handling.  One good way to do that is to look at customer reviews for the carrier. Cut out the very low and very high reviews and you will get a clear picture of what it is like to work with each carrier on a claim.


These are the hot button issues:

  • Can you reach someone right away in an emergency? You want to get answers and you need to know how to file a claim. Can you call someone 24/7?
  • The carrier’s representative should be able to tell you what is covered and what is not and how you would need to go forward for prompt claim reimbursement. This is not a time for generalities.
  • Courtesy and sensitivity count. You want to be put at ease and you want them to understand your emotions at this very difficult time. They should get the level of upset and stress you are under and still know how to work with you.
  • An agent must be able to handle difficult customers who might be short-tempered or in tears.
  • The claims process needs to be easy—you may not have access to your computer easily and there must be a way for you to quickly file.
  • Reimbursements must be quick so you are able to pay for what you need. A catastrophic loss means you may have lost almost everything and a good agent will be able to help you find a way to replace those things you need.


These are the kinds of things you need to have in mind when you assess your options.




Talking to your teen about driving

There are two big talks parents need to have with their teens. One is about the birds and the bees and other? It’s about driving. Why is that? Because teens are the highest risk drivers on the road. They are responsible for more accidents than any other age group of drivers and that means that they put their lives at risk as well as the lives of others.


Tangible proof of the risk factor can be found when you go to get NY car insurance quotes from and find that having a teen on your policy makes a big difference to your premium cost. Since insurance companies operate on risk, it should come as no surprise.


So here’s what a talk with a teen driver should sound like:


It’s important to acknowledge how invincible teens feel and then important to come out with some of the facts about teen driving. You can’t preach but you really must be direct because the facts speak volumes


  • Car crashes are the top cause of death among teens in the US, with a fatality rate for teen drivers four times that of drivers ages 25 to 69
  • The fatality rate in crashes is highest for 16 and 17 year olds in the first six months of getting a license and remains high until they are 25 years of age.
  • A top cause of teen crashes is cell phone distraction.
  • About two-thirds of teens who die in crashes do so when another teen is at the wheel.

It’s also important to address the subject of texting. Texting at the wheel is now the leading cause of death among teens. Over 3,000 die each year from accidents caused by texting.  But it’s hard to break this kind of behavior—every teen texts continuously, posts to social media and talks on the phone. All of these distractions can cause careless errors that result in an accident with dire results. It is really important for your teen to understand the serious consequences of this and also—secondarily– to understand what accidents due to negligence might mean to your premium cost.


This might be the most important talk you have with your teen. It might save their life or someone else’s. Make sure you have the talk before you ever give your teen driver the keys to a car for the first time, and have it again the first time they drive solo.